## Build a monthly TCO
Add loan or opportunity cost, fuel via Fuel trip cost, insurance, maintenance, tires, parking, and tolls. Car total cost and Auto loan keep the math honest. For powertrain choice, EV vs petrol is a sensitivity tool — not a brand ad.
## Job offer commute check
A higher salary can vanish in parking and hours. Run Commute cost before you accept. Time is not free even if your model does not price it.
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Note: Educational content from Calcly Australia. Official sources (ATO — PAYG educational; super is employer cost not deducted here.) and licensed professionals take priority in Australia.